--- canonical_url: https://lendb.ai/lo/robert-lacy-488998 json_url: https://lendb.ai/lo/robert-lacy-488998.json nmls_id: 488998 last_verified: 2026-10-16 --- # Robert Lacy Mortgage Loan Officer at Bell Bank, Overland Park, KS. NMLS ID 488998 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/488998)). Based in Overland Park, Kansas, Robert Lacy (NMLS 488998) is a Mortgage Loan Officer at Bell Bank. Robert's focus, from their own profile, includes FHA loan, jumbo loan and USDA loan. **Summary:** Robert Lacy (NMLS 488998) is Mortgage Loan Officer at Bell Bank, based in Overland Park, KS. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: FHA loan, Jumbo loan, USDA loan, VA loan and Construction loan. States 30 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Robert licensed? Robert works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry. ### Does Robert do FHA loans? Robert's profile lists FHA loan as a focus (from their lender profile page). It also lists jumbo loan, USDA loan and VA loan. Source: https://bell.bank/mortgage/loan-officer/robertlacy. ### What lender does Robert work for? Bell Bank, company NMLS 419538, from the Overland Park, KS office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/robertlacy. ### How much experience does Robert have? Robert states 30 years of experience. Source: https://bell.bank/mortgage/loan-officer/robertlacy. ## At a glance - Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 30 (source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16) - Licensed in: no license list on file; check NMLS Consumer Access - Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS. - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy - **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy - **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.45, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/robertlacy ## Facts from the lender page and intro - years_experience: 30. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. - community: Support of TARC. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. - community: Topeka Rescue Mission. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. - community: Don Bosco Center. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. - community: Salvation Army. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. - community: Habitat for Humanity & Discovery School. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bell Bank (NMLS 419538), Overland Park, KS. Source: https://bell.bank/mortgage/loan-officer/robertlacy, verified 2026-10-16. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/488998 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/robertlacy - Office phone and Email on file: shown at https://lendb.ai/lo/robert-lacy-488998#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/488998 - lender_site: https://bell.bank/mortgage/loan-officer/robertlacy Cite as: Robert Lacy (NMLS 488998), Bell Bank. LenDb.ai, https://lendb.ai/lo/robert-lacy-488998, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._